What kind of mortgage rate (30 year fix) can I get right now with a 694 Equifax and 691 TransUnion FICO score?

My interest only fixed mortgage rate is due to expire next month – with the present low interest rates I’ll be paying a lot less in new payments. I don’t know whether to go straight for a new fixed rate or to hang on.. I need to change to start paying the repayment [...]

My fiance are getting married in six months. We plot to buy a house together before the wedding.
My credit score is brilliant (over 750). Hers is in the excellent range (around 650-700), but it’s only because she has student loan debt…she’s never missed a payment or been late.
I know [...]

What are considered excellent interest rates these days? I’m getting a mortgage and what to know if the rate offered is excellent or not.

I want to calculate the impact of making lump sum extra payments (more then one in the life of the loan) and of making extra regular payments. I want to best plot how to attack paying off the loan as quickly as possible.

Is it legal to adjust the rate according to a borrower’s credit score? I know that a lender can refuse to lend if the borrower’s score isn’t high enough, but can a lender raise the rate in that case? During the credit meltdown, I though I heard that that was considered a predatory practice.

Stuck with a 5.5% mortgage, 2 years in to a 5 year fixed rate deal, my friend [not me], wonders if it’s possible, and/or worthwhile, to buy out – pay a penalty or whatever – of the deal and to take up a new mortgage at the new LOW rate.

I heard this the other day on the suze orman show that, if your mortgage, insurance and property tax, is more than 31% of your income you can question your bank for a reduction in your interest rate. Is this right, and if so what’s the catch?

They advertise a low rate but when you really call, you have to pay a lot of closing costs? Has anyone out there found a excellent deal lately?